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Chevrolet Chevrolet Corvette Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jan 3, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Feeling guilty for buying high-priced insurance? You’re preaching to the choir because you’re not the only one.

There is such a variety of insurance companies to buy insurance from, and though it is a good thing to be able to choose, too many choices makes it more difficult to adequately compare rates.

How to compare insurance coverage rate quotes

Shopping for lower insurance coverage rates can be exhausting if you don’t understand the best way to get rate quotes. You can waste a lot of time talking to agents in your area, or you could save time and use the web to get rate comparisons in just a few minutes.

Many popular insurance companies take part in a program that allows shoppers to submit one quote, and each company provides a quote for coverage. This eliminates the need for quote forms to each company.

To access this free quoting program, click to open in new window.

The one downside to comparing rates this way is you are unable to specify the companies to get pricing from. If you wish to select specific insurance companies to compare prices, we have a listing of companies who write insurance coverage in your area. Click to view list.

It’s your choice how you get your quotes, but make darn sure you compare identical coverages and limits for each price quote. If you compare different values for each quote then you won’t be able to make a fair rate comparison. Just slight variations in limits can mean a large discrepancy in price. Keep in mind that comparing more rates from different companies increases your odds of finding lower pricing. Some regional insurers cannot provide prices over the internet, so it’s recommended that you also compare price estimates on coverage from those companies, too.

There’s no such thing as the perfect auto insurance policy

When buying proper insurance coverage, there is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For instance, these questions might help in determining if your insurance needs might need an agent’s assistance.

  • Which is better, split liability limits or combined limits?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered when pulling a rental trailer?
  • How can I force my company to pay a claim?
  • Am I insured when driving a different vehicle?
  • Can my babysitter drive my car?
  • Where can I find high-risk insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • How much liability insurance is required?

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If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Coverages available on your policy

Having a good grasp of your policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages available from car insurance companies.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Corvette.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time these limits are identical to your policy’s liability coverage.

Liability coverages

This will cover injuries or damage you cause to a person or their property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers claims like repair bills for other people’s vehicles, bail bonds, legal defense fees and structural damage. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Comprehensive coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as vandalism, damage from flooding, theft and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as surgery, X-ray expenses and pain medications. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, colliding with a tree and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Use our FREE quote tool to compare rates now!

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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